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US Citizens Buying London Real Estate: 9 Things You Need to Know
If you're a US citizen looking to invest in London property, you're certainly not alone. And if you're wondering how easy it is to get a UK mortgage as a non-UK national, the good news is, there are plenty of specialist lenders who will be willing to make you an offer. The UK property market i...
NEWS: Are mortgage rates going down?
While interest rates have been rising quickly over the past year, we've actually seen mortgage rates going down in 2023. As a result of rising inflation, the Bank of England has increased the base rate to 4%, leaving many wondering what the state of play is for mortgage rates over the next six...
How To Get Fast Property Auction Finance
Property auction finance needs to be quick and efficient to keep up with the fast-paced and competitive nature of property auctions. This is why a standard mortgage usually doesn't work for auction finance. They take too long to arrange (typically a number of months), with affordability checks base...
Bridging Loans For Property Development
Bridging finance for property development can make all the difference when it comes to getting a development project underway fast, and, affordably – yet, many people don’t fully understand all their options. Oftentimes, traditional mortgages can prove far too slow a method for borrowin...
Can I Get A Mortgage For 5 Or 6 Times My Salary?
There ARE "5x, 5.5x and even 6x" salary mortgages out there, offering maximum borrowings on your earnings. How can you get your hands on one of them? It’s not just hard-pressed first-time buyers who need to maximise their salaries' borrowing potential to get a toe-hold on the property ladder....
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Bridging Loans: How Much Can I Borrow?
How much Can you borrow with a bridging loan? Do you need a short-term finance solution to inject cash quickly without the waiting time of traditional longer-term borrowing? Short-term finance such as bridging loans can be a very helpful form of finance for the right borrower, depending on your cir...
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Can I Get A Bridging Loan To Pay Inheritance Tax?
Yes – this is precisely the kind of situation where bridge finance can be the solution you need to some of the administrative issues that can make managing probate so stressful. In addition to all the grief and family upset when someone dies, there’s a frustrating Catch 2...
Regulated Bridging Loans
If you're looking to finance a residential property purchase, regulated bridging loans are a popular short-term and flexible funding solution. Traditional mortgages, in comparison, can often be inflexible and slow to start. But not everyone understands how useful regulated bridge l...
How To Get A Construction Loan If You Are A First Time Developer
Development finance lenders exist to provide construction loans to individuals and companies to make the best return possible over the shortest space of time, at the least possible risk. It's their raison d'être. On the other hand, you have a terrific development opportun...
How to get refurbishment finance for a buy to let property
Using refurbishment finance could help you get higher rental income as a landlord. If you're looking for a buy to let property to generate an income, finding one that needs significant renovation could help you grab a bargain. But if you don't have the cash on hand to pay for renovations, ...
How To Get A UK Expat Buy To Let Mortgage
Getting an expat buy to let mortgage can be trickier than if you live in the UK - but it can be done. If you're a UK national living in another country, you may be trying to figure out how to finance a property back home. Perhaps you're looking to keep a house y...
Should You Get a Tracker or Fixed Rate Mortgage in 2023?
In light of recent interest rate hikes by the Bank of England up to 4%, we take a snapshot of the best rates available on the market today for fixed and tracker mortgage products, and see how they compare. We also go through the pros and cons of fixed rate mortgages compared to track...
What is a Bridging Mortgage?
A bridging mortgage, usually referred to as a bridging loan, is a type of short-term property loan. They provide short-term financing (usually 12 months) with greater flexibility than standard mortgages. But despite their flexibility, few people realise how useful they can be as a...
Mortgages for doctors: finance to suit the medical profession
Doctors and medical professionals face particular challenges when applying for a mortgage. But with the advice of a specialist mortgage broker, some very attractive mortgage deals are available to you. We’ll show you how to maximise your borrowing power and speed up your mortgage approval whe...
NEWS: Latest Mortgage Rates
With the BoE increasing the base rate to 4% last week, we look at the latest rate changes across the mortgage market. This week, Nationwide reduced their fixed rate mortgage rates by up to 0.75% across certain products. HSBC are also now offering the first 5 year fixed rate mortgage under 4% inter...
NEWS: Will house prices drop in the UK in 2023?
The average price of a home is still £281,684, meaning there was very little monthly change from December to January. This follows a series of monthly drops in the property market throughout the end of 2022 - perhaps we are seeing prices stabilise and start to bounce back? With property...
How much does a bridging loan cost?
Bridging loans typically cost 1-2% of your loan size, charged as an arrangement fee by your lender. You also usually pay: A monthly interest rate Valuation or survey fees Legal fees Broker fees Other admin fees, such as drawdown and redemption fees This might seem like a l...
How to Secure a High Value Mortgage
High value mortgages are often more difficult to secure than you might expect. You may assume that banks and lenders will be chomping at the bit to offer you a high value mortgage so they can start earning interest on a larger-than-average loan. However, it's not always the case. The issue wi...
How To Get A Barrister Mortgage
Securing a barrister mortgage can actually be more challenging than you might expect. As a highly qualified professional with excellent income growth potential, you'd expect getting a good mortgage would be easy. But as a self-employed practitioner with highly variable monthly income an...
How To Get A Holiday Let Mortgage
This guide looks at what kind of mortgage you need for a holiday let, what rates you'll pay, what deposit you need, how to get one, etc. We've seen a significant influx in property purchases for holiday lets across the UK in recent years. However, mortgage lenders have been slow to keep up, and mos...
How to get a joint mortgage with a non-UK national partner or spouse
Getting a joint mortgage where one partner is not a UK national can be challenging. We have a strong track record in matching international clients with the lending they need. This guide explains why it can be difficult and what you can do to improve your chances. Skip to: Why is it difficult? 3 ...
Mortgage Broker for BM Solutions
Those applying for a mortgage or product transfer with Birmingham Midshires must now use a mortgage broker. In light of this change, many have been seeking experienced mortgage brokers to get a mortgage with BM Solutions. Employing the services of a mortgage broker is a good way to ensure success ...
How To Get A Professional Mortgage
As a professional with hard-won qualifications and a structured career path, you could be eligible for a professional mortgage to match. There are 8 ways you could be entitled to a better mortgage as a professional within an established industry. Some UK mortgage lenders offer prof...
Maximizing Cash Flow: A Guide to Invoice Finance for UK Business Owners
Invoice finance is funding that allows businesses to borrow money against their unpaid invoices. Essentially, a company can use its unpaid invoices as collateral to secure a business loan. This type of financing can be useful for businesses of all sizes but is particularly beneficia...
How to get a loan for an unmortgageable house
You can get finance to buy an unmortgageable house - but not necessarily via the traditional 'mortgage' route... Bargain-hunting property investors love unmortgageable properties. Packed with potential: competing buyers are scared off by the difficulties in securing finance. But how can you e...
How to find the best bridging loans
You've probably noticed that there aren't many 'comparison sites' for bridging loans - the ones that put multiple products into a table, allowing you to easily weigh the pros and cons. Unfortunately, bridging loans are somewhat too bespoke for that kind of side-by-side comparison that works f...
What is a Green Mortgage, and how do they work?
A green mortgage is a specific mortgage product for green properties, i.e., properties with an EPC rating of B or higher. They're usually a bit cheaper than standard mortgages because energy-efficient homes can be more attractive to lend against from a bank's perspective. The past year saw en...
Applying for retrospective planning permission: is it worth the risk?
Retrospective planning permission is a common occurrence in the property development world. You may have made an honest mistake during building works and only realised afterwards you need permission. Or you may have discovered you can’t sell your house unless it matches the land registry recor...
A Full Guide To Financing Your Next Property Renovation: Refurbishment Bridging Loans
Whether you're an established developer with a large property portfolio or a first-time investor just getting into property investment, refurbishment finance can be an extremely useful tool to help you take advantage of those golden opportunities that come your way. So, what is refurbishment f...
How to use a bridging loan to buy a house in London
The London property market is notoriously competitive, so when you find the perfect home or a good investment opportunity, you need to move fast - this is where bridging loans come in. Unfortunately, getting the proper funding can often be challenging when buying a house in the capital. But a...
NEWS: Heavy refurb finance up to 90% gross LTV from £200k
New refurbishment finance products from a reputable bank are now available, offering property developers light and heavy refurb loans at up to 90% gross LTV from £200k-£5m. Can you get a 90% LTV refurbishment loan? Usually, typical refurbishment finance (in one tranche, meaning yo...
How To Get A UK Mortgage When Living And Working Abroad
It's certainly possible to get a UK mortgage while living abroad, but applying for a UK mortgage as an expat can be difficult because being based overseas makes it that bit harder for lenders to establish your earnings and check your credit history. You may find that you need to give your credit sc...
Are bridging loans a good idea?
Bridging loans provide borrowers with a fast and convenient way to finance a property – but are they a good idea for you? It largely depends on what kind of property finance you need, for how long, and whether you have a solid exit strategy in place. In this guide, we explain what bridging l...
What proof of income do I need to get a mortgage?
It varies from lender to lender, but mortgage providers will require the following proof of income for your mortgage application: 1-3 of your most recent payslips Your P60 (for up to 2 years) Evidence of 2-3 years of bonuses if they're a significant chunk of your ...
What is LTV? Mortgage Loan to Value Explained
When applying for a mortgage, one of the key factors that lenders consider is your loan to value (LTV) ratio. Your LTV represents the amount of money you're borrowing in relation to the value of the property you're purchasing. In other words, it helps lenders assess the risk associated with provid...
Can You Get A Self Employed Mortgage With Only One Year's Accounts?
The short answer is: yes, you can get a self employed mortgage with only one year's accounts. However, it’s generally more difficult than if you have several years of accounts, as you'll have fewer lenders to choose from. It could also be more expensive, because lenders may offe...
How To Get A Bridging Loan In Scotland
Acting quickly when opportunities arise is essential to closing deals in Scotland's property market. And this is where bridging finance comes in. Whether you're looking to buy Scottish property for commercial or residential purposes, having fast finance in place will save you from losing an op...
Mixed Use Property? How To Get A Mortgage
Are you considering buying a shop or office premises with a flat above? Or a one-time pub with landlord’s accommodation? Then you’ll need a different type of mortgage finance. Most property owners venturing into property investment for the first time (to generate an income or for capit...
NEWS: What will my mortgage go up to in 2023?
In 2023, data from the Bank of England suggests homeowners on fixed-rate mortgages are to face an average repayment increase of £3,000. For the average household, this will mean an increase from £750 to £1,000 per month for mortgage payments. In light of these figures, you ma...
How To Get A Multi Million Pound Mortgage
There’s increasing demand for high-value properties in the UK, not just in the capital and the commuter heartland of the southeast. Whether you're a first-time homebuyer or an experienced property investor, getting a mortgage for such a large sum of money can be a daunting and competitive tas...
What Stamp Duty do I Need to Pay and can my Mortgage be Used to Cover it
When buying a home, getting caught out by a higher Stamp Duty tax bill than you expect is the last thing you need. If you can’t afford it, it could mean reducing the deposit you can put down or needing a larger loan, which can reset your lender’s mortgage calculators and leave you with ...
NEWS: A Guide to the Most Expensive Streets in the UK
Are you dreaming of living on one of the most expensive streets in the UK? Or perhaps you're just curious about what makes a truly prime property location? In this post, we take a tour of the streets with the highest average property prices in each area of the UK, according to recent data...
How to get development exit finance as your building project nears completion
When a property development project is coming towards the end of its agreed term of finance, unexpected delays in finishing the build, or finalising sales, can have a major impact on the cost of your finance and the profitability of your development. Development exit finance wins on three count...
My House Has Gone Up In Value: Can I remortgage?
One of the most common reasons homeowners choose to remortgage is because the value of their house has increased. If you have more equity in your home than when you first took out your mortgage, you can remortgage to get a better deal with lower rates. Or, you may be able t...
Self Employed Mortgage - How to Improve your Chances of Getting One in 2023
Whether you're a company director or a sole trader, you've probably noticed that high-street mortgage lenders have stricter lending criteria for self-employed mortgage applications. And with the Covid-19 pandemic putting a strain on the economy and small businesses in particular, banks h...
NEWS: Are Mortgage Rates Going Up in Response to Interest Rate Hikes?
The Bank of England has raised the base interest rate to 4% on 15th December 2022 following their Monetary Policy Committee meeting - what does this mean for your mortgage? In this post, we look at whether mortgage rates are rising in response to consecutive interest rate hikes in the UK. With the...
How Do Mortgage Interest Rates Work?
Your interest rate is one of the most important things to look at when you’re buying a home with a mortgage. Interest is charged on every pound you borrow, so the higher the rate, the more you’ll pay back. With this in mind, it’s a good idea to understand the different types of m...
Can I borrow against a property with no mortgage?
Many homeowners look to access cash to help get through extraordinary circumstances. From loss of employment to business closure, to children struggling with getting on the property ladder… Or, you might have the opportunity to make home improvements or build an extension – a...
NEWS: First Time Buyer Mortgage at 5.5 Times Salary Now Available
A major high street bank is now offering 5.5 times salary mortgages for first time buyers. Typically, the largest mortgage you can reach as a first time buyer is capped at 4.5 times your income for most lenders. But with house prices at record highs across the UK, first time buyers need to stretch...
How to finance a barn conversion using a bridging loan
Barn conversions have been a popular way to create stunning rural homes full of character for many years, but as with any conversion of a non-residential building, funding can be an issue. The difficulty is getting a mortgage to convert a non-residential property into a home, because mortgage...
How To Get A Mortgage For A Grade 2 Listed House
If you are looking for a mortgage or short term finance for a grade 2 listed home, you may come up against a few challenges in finding a lender who will consider this type of property. When you hear the phrase ‘listed building’, you might think of a stately home or some other grand stru...
Property development project behind schedule? How to refinance to avoid penalty rates
Good planning and rigorous project management can’t insure against a month of torrential rain, or a key supplier failing to deliver. A third of the UK construction industry professionals surveyed by Cornerstone Projects in 2017 reported delays costing up to 10% of project costs. More t...
Business Loans For Limited Companies
If you're the director of a limited company, you may need access to a loan to boost the growth of your business or support your cash flow when times are tough. Limited company loans are a specialist type of business finance available to help limited companies. As a limited compa...
Should I Use An Expat Mortgage Broker Or Go Directly To A Lender?
If you’re an expat looking to purchase or remortgage a property in the UK, a common question is whether it’s best to secure your expat mortgage directly through a lender or approach an expat mortgage broker. Although you’ll ultimately have to speak to a specialist expat lender reg...
How Much Can I borrow For A Mortgage?
When buying a new home, the key question is, 'How much can I borrow?' Typically you can borrow around 4.5 times your income, but it is possible to borrow 5.5 to 6 times your income, depending on your circumstances. Is it as simple as using an online mortgage calculator to determine how muc...
Divorce Settlement: 3 Ways A Bridge Loan Can Help
Inevitably, marriages don't always go according to plan. And if you're going through a divorce, you may have to face some short term financial challenges on top of all the other strains associated with this difficult time. Expensive legal fees or the urgency to live separately while working thr...
Latest Mortgage & Short Term Finance Deals
We have put together some of the mortgage rates for UK residents and expats that we have recently placed and are currently available to our clients. Residential Mortgages customDatabaseOutput-1308~ddl~75,303 *Overall Cost For Comparison Buy To Let Mortgages customDatabaseOutput-13...
How To Get A UK Mortgage With A Foreign Income
If you are a British expat working and living abroad and are paid in a non-sterling currency, you may find it difficult to secure a mortgage on a UK property or remortgage with an existing lender. Many high street banks will shy away from borrowers on a foreign income. Still, whether you'...
Seafarers UK Mortgages: A Complete FREE Guide
When is an expatriate borrower not an expat? When they're ships' crew… It isn't straightforward to apply for a mortgage to buy property in the UK when you're a professional seafarer. Either you're trying to fit everything into a spell of shore leave, or you're trying to access all your fina...
Specialist Mortgage Broker - 7 Reasons Why You Should Use One
If your financial circumstances are complex and unique, you might struggle to get the property finance you need. At the very least, you could be looking at higher interest rates, putting down a bigger deposit, or borrowing less money. But a specialist mortgage broker will ensure you get the most ou...
How to get a Debt Consolidation Mortgage
Anyone can be struck with financial problems at any time and new financial burdens can lead to accumulating debt. If you’ve found yourself in this situation, you may be considering a remortgage to raise finance and repay some of your loans. What is a Debt Consolidation Mortgage...
Mortgages For Dentists: How Much Can I Borrow?
Has any profession faced more financial challenges in recent years than dentists? Many mortgage lenders understand the value of the years of training you've invested in and offer generous salary multipliers and preferential rates based on your future income potential. The wrangling with HMRC a...
How To Get A Second Charge Mortgage
Using a second charge mortgage, you can release funds from your property without changing your primary mortgage. Second charge loans, also known as secured or homeowner loans, are increasingly popular with homeowners looking for a way to raise capital for home improvements, pay off existing debt or ...
Stamp duty cuts explained - What does it mean for UK homebuyers
As of 23rd September, the Chancellor of the Exchequer has announced several changes to stamp duty tax (SDLT) – with thresholds being increased across the board, for both first-time buyers and homebuyers generally. This announcement has several implications for the housing market and homebuyers...
Interest Only Vs Repayment Mortgage: Which Is Best?
Making a decision between an interest-only or repayment mortgage is an important financial decision. Here we look at the key differences between these mortgage products and how a specialist mortgage advisor can help you choose the right mortgage for you and your circumstances. ...
How Early Can I Switch My Mortgage – 5 tips to get a better deal
Existing UK borrowers can now lock in mortgage deals up to 6 months in advance as interest rates rise. After the base rate hit 1.75% in August, many homeowners are looking to get a new mortgage earlier than usual, hoping to switch to a cheaper deal and avoid future rate hikes. Under the old rules,...
How much does it cost to remortgage?
The costs of remortgaging a property can be divided into two categories: the cost of leaving your current mortgage, and the cost of setting up your new one. Although the costs will vary based on your circumstances, there are certain fees you should generally be aware of and expect. While you&rsquo...
How To Mortgage A UK Holiday Let Property If You Are An Expat
As the staycation trend in the UK continues to grow, many British expats are either turning their UK homes into holiday lets while away or investing in them to grow their wealth. Until recently, longterm lets and traditional buy to let mortgages have been the most popular choice for expats keen to ...
Mortgages For Over 60s - What Are My Options?
If you are 60 or older & you need to borrow in later life, there are mortgage options available. Even in your 90s, there might still be products available to you. Here we look at what these mortgage borrowing options are, and the features, advantages and disadvantages of each. ...
Yes - You Can Get A Bridging Loan With Bad Credit
Can bad credit affect your ability to get a bridging loan? Find out why it's still possible to get short term bridge finance, how it could even help improve your credit rating in the future, and our quick guide to securing the funds you need. Many people believe they will get rejected for...
Loan for Buy to Let in Need of Light Refurbishment Work
If you are looking to make any changes to your buy to let property, you may need to complete some refurbishment work. You may wish to carry out refurbishments on your buy to let property to Improve the overall value of the house: Refurbishments can increase the value of a buy-to-let prop...
Why should I remortgage? Pros and cons
If you’re looking to get a better mortgage deal, release equity, or make your repayments more affordable, you may be considering remortgaging. And with interest rates rising in the UK, more and more people have been looking at fixing their mortgage rate to protect against future price hikes. ...
Top 3 Reasons Why our Clients Remortgage
Most people remortgage to get a better deal and save money, usually as their current deal expires. But this isn't always the case. This article explores some of the circumstances that lead our clients to remortgage and how getting the right remortgage finance is often as simple as using a specialist...
Can I Remortgage If I Own My House Outright?
You may wonder if you can remortgage your house if you own it outright. When you own an unencumbered (mortgage free) property, you can use its value as security for a new mortgage and release some of the capital locked up in it. An unencumbered remortgage will give you access to a lum...
How Fast Can I Get a Bridging Loan
When the property market is strong, cash buyers are typically in pole position to acquire in-demand property. So either you have cash in the bank account ready to go, or must demonstrate that you can arrange finance quickly. The challenge with depending on traditional mortgage fina...
Remortgaging if you are Self Employed or a Contract Worker
If you’re self-employed or a contract worker, you may be wondering whether you can remortgage your property. The answer is yes – your self employed status shouldn’t be a barrier to remortgaging. However, it can be a more complicated process than if you’re paid a salary. The...
Can I Remortgage to Buy a Second House?
Many people remortgage their home as a way to free up capital to put towards a second property. If you’ve been repaying your mortgage for many years, you’ll have built up a chunk of equity in your home that you can’t really access – unless you remortgage to release it. A po...
How to Remortgage a House
Remortgaging isn’t right for everyone, but it can have a number of advantages depending on your situation. You could free up capital that’s tied up in your home, or you could just get a cheaper interest rate on your debt. In This Guide: What does it mean to Remortgage?Why would you Rem...
How To remortgage A Buy To Let Property
You may be considering if the time is right to remortgage your buy to let property. You could find a better deal or release some equity for further property investment. Here we explore why you might want to remortgage a buy-to-let property (BTL), what considerations you need to make,...
Can You Remortgage Early On A Fixed Rate?
You may be considering leaving your fixed rate mortgage early. If you wish to lock into lower rates over an extended period, need a more flexible mortgage, or need to raise cash for home renovations or an emergency, remortgaging early could make sense. Is it a good idea to remortgage early? What ar...
How to use a bridging loan to buy a house before selling your current home
In an ideal world, we'd all wait to sell our old house before first, before buying a new home. But in reality, it's not always possible: the market may be slow, a buyer may have dropped out, or you might want to do renovations before moving in. Short-term borrowing allows a financially...
Mortgages For Solicitors: Finance to Suit the Legal Profession
If you’re working in the legal profession, you could get preferential mortgage terms for your property purchase. Whether you’re a qualified solicitor or barrister or you’re still completing your period of recognised training, it's worth speaking to a mortgage broker who can connec...
How To Remortgage Your London Home To A New Lender
With inflation rates spiralling upwards and interest rates predicted to follow, homeowners across the country are locking into low mortgage rates while they’re still on the market by remortgaging their homes. The BoE’s base interest rate has risen from 0.1% to 1.25% in just 7 months bet...
How To Remortgage Your House And Release Equity
You might consider remortgaging your house to release equity if you want to raise extra cash. The funds could be helpful for home improvements, putting a deposit down on investment property, paying off other debts or helping your children with their education. Refinancing to release equity c...
Large Interest Only Mortgages - How to Get One
A large interest only mortgage can be a key solution to irregular income streams and complex wealth structures. They provide a level of debt flexibility that repayment mortgages can't match. But who are interest-only mortgages for? What are their benefits? And how do you get on...
How To Get A Renovation Mortgage
Whether you're a first-time buyer, a property developer, or anywhere in between, choosing the right finance for buying a renovation property is as important as choosing the design, a builder, or the materials, fixtures, and finishing touches. When you find a property as a 'fixer upper' with a ...
What Is A Buy To Let Mortgage Stress Test And Will I Pass It?
When applying for a buy to let mortgage, you may need to pass a lender’s stress test rather than simply prove that your rental income will cover your monthly mortgage repayments. The stress income cover ratio (SICR) is the calculation lenders apply to determine your affordability of a buy to ...
Complex Income - How to Secure a Mortgage
If you're earning a mixture of salary, dividends, bonus, rental, or other forms of income, you could struggle to reach your full borrowing potential when it comes to getting a complex income mortgage. Many high street lenders will just take your largest source of income and exclusively use tha...
A Guide To Offset Mortgages: Are They Still A Good Idea?
With the latest increase in interest rates, rising inflation and mounting house prices, many homeowners are looking to refinance their homes rather than move. If you are thinking of remortgaging, it may make sense to consider an offset mortgage - one of the lesser-known products available....
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Latest News On Interest Rates - What Does It Mean For Your Mortgage?
As the Bank of England seeks to halt the pace of inflation, interest rates in the UK have risen by a further 0.25%. It marks the fifth consecutive increase from 1% to 1.25%, bringing it to its highest level in 13 years. The Monetary Policy Committee (MPC) voted to raise the base rate to counter soa...
How To Remortgage a Residential Home To A New Lender
Remortgaging your home could help you get a better deal or raise equity if your fixed-term mortgage is coming to an end. In order to get the best remortgage deals in 2022, you might want to switch lenders rather than stay with your current one. You could save thousands of pounds each year ...
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New Mortgage Launch: High LTV At 10 Year Fixed Rate
An 80% LTV mortgage product with a 10 year fixed rate is available with the option to pay interest only as well as make repayments. It is ideal for aspiring professionals earning bonus or dividend income, buyers looking to upsize, and first time buyers who may have the income to support a large mort...
How Much Does A Million Pound Mortgage Cost
The good news for UK residents and expats is that borrowing a million pounds or more has seen many lenders reserving their best rates for larger loans. At Clifton Private Finance, we have access to the large loan teams at high street banks and private banks who can offer bespoke arrangements d...
NEWS: How Could Russia's Invasion of Ukraine Impact the Mortgage Market?
Russia’s war on Ukraine has already caused economic ripples across the globe, with stock markets experiencing volatility, and the price of crude oil surging to over $100 a barrel. And while it’s very difficult to predict the twists and turns down the road as the conflict develops, ...
Non-Standard Construction Mortgages & How To Get One
Non-standard construction mortgages are hard to come by. But if you know the right specialist lenders you can still get a competitive deal on your mortgage. Mortgage brokers know the ins and out of the market, and speaking to an adviser is usually the quickest way to find the best non-standard cons...
Mortgages for company directors: how to use company profit to get the size of loan you need
You’re an entrepreneurial business-owner trying to arrange a mortgage. Surely you should be able to count the profit retained in your company towards your mortgage affordability calculations? Or are you a self-employed contractor or freelance professional who manages their work through a limi...
How to get finance to buy an Uninhabitable property
It’s the bargain of the century - a wreck which could be your dream home. Or it’s a profitable "doer-upper" which you could renovate-and-rent-out, or fix-and-sell. But here’s the catch: the reason that scores of other buyers haven’t beaten you to the sale is t...
How to Switch to a Buy to Let Mortgage
Switching from a residential to a buy to let mortgage can be a daunting process, especially if you’re unsure if you’ll pay any early repayment charges or mortgage set-up fees. But if it can unlock the rental potential of your current residential property and help fund your ambitions to ...
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How to Get a Limited Company Buy to Let Mortgage
Is it better to buy a buy to let property through a limited company or special purchase vehicle (SPV)? Whether you're buying your first investment property, or are an established private landlord, the tax benefits of mortgaging your property through a limited company can be sig...
Bridging Loan To Buy A House - Example Of How It Works
If you've found the property you want to buy and need to move quickly, a bridging loan is now considered mainstream and used by many buyers to help them make a house purchase. Here, we look at examples of bridging loans and how you can use bridge finance for different property purchase sce...
